>> implicit or explicit in what she said as you're not going to get to that point. obviously several months ago you had derivative six variants subject in part of "the new york times," the profile and all that. what is different about risk management? what are the lessons learned and changes implemented? >> this company, jpmorgan chase went through 06, 07, zero wait, all night, 2010, 21, 2012. never lost money, didn't a t.a.r.p. and was therefore a lot of people in california, jersey, illinois, schools, businesses. we bought one for ourselves and were able toprice 15,000 to 20,000 jobs in a tremendous cost on the fdic, which is passed back to the banks. so they made a error. we had a gap in the line. we didn't have this gap elsewhere.